Liability coverage car insurance calculator

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How much car insurance you need depends on the value of your car, your driving record, your assets and your state’s car insurance requirements.

Liability coverage is designed to protect you financially if you are found at fault in an accident. The national average cost of liability coverage is $637 annually for a limit of 50/100/50. But it’s important to note that liability limits of 50/100/50 are still quite low, so if you have significant financial assets, consider a policy with limits of 100/300/100.

Liability coverage car insurance calculator

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*While most states require a minimum of 100/300/50 car insurance coverage, we recommend getting a coverage limit of 100/300/100 so that you are fully financially protected. Check out rates for full coverage car insurance here.

Methodology

Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles 2006 to 2019.

Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. The rate also includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit.

For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state.

We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP.

Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors.

Liability car insurance is typically broken down into two parts — bodily injury liability and property damage liability. 

• Bodily injury liability covers medical expenses and lost wages if the other person in the accident is injured. 

• Property damage liability covers damages to the other person’s property from an accident. 

Use our calculator below to see how much liability insurance costs in your state for 50/100/50 coverage. 

Estimate liability coverage car insurance rates by state

The average rate for liability coverage car insurance varies widely by state. Drivers in states like Maine and Ohio pay less than $500 per year for the limit 50/100/50, while the liability insurance rate in New Jersey is $1,120 a year for the same coverage, according to 2022 Insure.com data. How much you pay depends on a number of factors, such as your driving record and your vehicle’s make and model. But understanding the average rate in your state can give you a good starting point for estimating your own rates. 

Liability-only coverage is the most basic type of insurance, and it can be an attractive option if you’re on a tight budget. But if you are in an accident and your car is damaged, you will have to pay out of pocket to repair it. For these reasons, it is generally recommended that drivers should purchase 100/300/100 auto insurance limits for added protection.

The table below shows each state’s average annual auto insurance liability coverage rates for the limit 50/100/50.

When it comes to car insurance, liability coverage is the minimum that is required by most states. It provides some financial protection if you’re ever involved in an accident that causes property damage or injuries to another person. 

Methodology:

Insure.com commissioned Quadrant Information Services in 2022 to find out rates in every state for liability-only coverage with limits of 50/100/50. Rates are based on the profile of a 40-year-old male driver with a clean record driving a 2021 Honda Accord.

Laura Longero

Executive Editor

 

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Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media.